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This is almost verbatim, conversation with right-wing nutjob sparring partner just now at lunch:

RWNJ: "If you look on Rush Limbaugh's website today, he's got an article that says the IRS can only collect the Obamacare fine if you have a refund. They aren't allowed to seize it from your bank account."

Me: "I'll try to verify, what's the significance though?"

RWNJ: "Well if I have a refund of $3000 coming but the fine is $4000, I just won't cash my refund."

Me: "The maximum fine for non-participation in 2014 is $95/person, or 1% of your income, whichever is greater. If you have a $4000 fine, you're making $400,000 a year and you didn't buy health insurance. That sounds pretty stupid."

RWNJ: (silence)

Me: (I eat my sandwich and just stare at him impassively)

RWNJ: "Man it's just socialism."

Me: "I just knocked your ass to the mat and you used a right-wing talking point to cushion your fall. Admit it."

RWNJ: "It's always some liberal bullshit with you."

Me: "You should read more Democratic Underground and less Limbaugh. Rub some dirt on your bruised ego. Here, let me be a socialist and buy your lunch. You get the next one."

Suppose this conversation actually took place, you can't get out of paying the fine. You can choose not to cash your refund check, but the IRS will come after you. And yes, I think the federal government can freeze your bank account.

Suppose this conversation actually took place, you can't get out of paying the fine. You can choose not to cash your refund check, but the IRS will come after you. And yes, I think the federal government can freeze your bank account.

Psst! Don't talk to your co-worker about AHA.

The penalty is taken before your refund is issued. The penalty is a tax! Obama lied about no new taxes on the middle class. Cashing or not cashing the check has nothing to do with anything.